While the nation’s five biggest mortgage servicers are ready to sign off on a sweeping foreclosure settlement, it’s state and federal officials who are still fine-tuning the deal.

For months, attorneys general from all 50 states, along with federal officials, have been trying to hammer out a deal for resolving accusations of foreclosure abuses during the housing bust, including the “robo-signing” scandal.

State AGs are expected to meet in Washington on Monday to nail down terms of the settlement, which could hit mortgage servicers with as much as $25 billion in fines and penalties. The Obama administration has been pressing participants to reach a pact before his State of the Union address on Jan. 24.

Sources said while it’s unlikely that a deal will be reached by that time, some are hopeful that one could be reached by the end of the month.

A potential settlement could stop short of an agreement with all 50 states as some AGs, including New York Attorney General Eric Schneiderman, disapprove of some aspects of the deal.

The negotiations kicked off more than a year ago in the wake of the disastrous housing implosion and the robo-signing fiasco, which involved flawed paperwork and, in some cases, forged signatures to evict people from their homes.

The protracted talks have cast a pall over the housing market and pressured bank shares.

Sources said that the deal’s terms could result in banks receiving at least some release from future litigation. Banks may also offer limited aid to “underwater” homeowners by reducing some of the principal on their mortgage loans.

Mortgage servicers likely will only be offering so-called principal forgiveness on loans that they still own and that haven’t been sliced and diced and sold off to investors.

Other aid to embattled homeowners might come in the form of bank refinancing programs.